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Why Choose AZ Insurance Shop For Your Homeowners Insurance Needs?

Homeowners Insurance is one of those things everyone needs to protect their homes as well as the home owner. As an independent insurance broker, we work for you rather than an insurance company. This means we don't sell, or work, for any one home owners insurance company. We partner with various insurance companies and have them compete for your business, ultimately bringing down the cost of coverage for you. Basically, we work for you!

We help you identify what assets you'd like to cover and how much coverage you'd like to have. Home insurance allows you to add endorsements to your policy to give you additional coverage like replacement cost or water back up just to name a few. Once we evaluate your needs we then get to work shopping our insurance companies. We find insurance companies that fit your needs along with your budget. Below are just a few reasons why you should use AZ Insurance Shop for your
homeowner insurance:

You don't have to do any shopping, we do that for you. We just bring you coverage and cost comparisons making it easy for you to make decision

You save time since we do the shopping. Who doesn't want more time back in their day?

You save money. We get discounts that you can't get since we are insurance brokers. We pass that savings on to you!

We don't charge a fee for our time or services, that's already worked out with our partnering insurance companies

Renters insurance is like homeowner insurance but to understand the differences please contact us so we can help you with your Homeowner and Renter insurance needs.

What Is Home Owners Insurance?

Homeowners Insurance provides coverage for your personal belongings, coverage for damages to the structure of your property, and liability coverage which pays for bodily injuries and property damage to other people, if you are liable. Whether you own a home, condo or rent an apartment you should know what coverage protects you and your belongings.

Common home insurance definitions.

Dwelling (Coverage A)

Other Structures (Coverage B)

Personal Property (Coverage C)

Loss of Use (Coverage D)

Deductible

Personal Liability (Coverage E)

Medical Payments (Coverage F)

Dwelling (Coverage A)

Your physical home and the structures attached to it. You should have Replacement
Cost which provides an additional amount to repair or rebuild.

Other Structures (Coverage B)

Structures that are not directly attached to your dwelling. For example a detached garage or storage shed.

Personal Property (Coverage C)

Your personal possessions such as furniture, clothing and appliances. Certain types of possessions have limited coverage or may be excluded. Be sure to discuss these limitations with your agent as you may need additional coverage. You should have Replacement Cost as this will pay current market value versus actual cash value.

Loss of Use (Coverage D)

Also referred to as Additional Living Expense. If a major covered loss makes your house uninhabitable, this coverage will reimburses you for your housing and other living expenses while your home is being repaired.

Deductible

A deductible applies to the property portion of the homeowner’s policy. It is the amount you would have to pay out of your own pocket before the insurance will cover expenses. Common deductibles are $250, $500, $1000. The higher your deductible, the lower your policy premium will be. If you are purchasing a new home, it is a good idea to see what your lenders requirements are on maximum insurance deductibles.

Personal Liability (Coverage E)

Insurance for what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person. Most homeowner policies provide a minimum of $100,000 of liability protection, with the option of increasing to fit your needs.

Medical Payments (Coverage F)

This pays all reasonable and necessary medical expenses to a guest(s) if injured while on your property. Payments are without regard to fault for a specified period from the date of an accident and do not cover the policyholder, or residents of the household.

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Do You Qualify For Home Owners Insurance Discounts?

You may be eligible for discounts on your auto insurance policy.Be sure to discuss these discounts with when you give us a call:

Multi Policy Discount

No Previous Home Losses Discount

Monitored Alarm System

Advanced Quote Discount

New Home Discount

Electric Funds Transfer (EFT) Discount

Paid in Full Discount

Military Discount

Multi Policy Discount

When you have more than one insurance policy, you can easily manage all your policies in one place. Additionally, multiple insurance policies help you save money on your monthly premium since the insurance company is managing more assets for you. Ask about the discounts you can get for bundling: Auto and home policies.

No Previous Home Losses Discount

If you don't have any previous home losses, you are eligible to receive a discount from some insurance providers.

Monitored Alarm System

Federal Bureau of Investigation statistics show that a burglary takes place every 14.6 seconds in the U.S. Insurance companies also note that the average loss per claim is $3,921. To encourage the installation of alarm systems, most insurance companies give you a deduction on your homeowners insurance for installing and maintaining an alarm system with some form of central monitoring.

Advanced Quote Discount

One quirky discount offered by lots of insurance companies is the advanced quote discount. Preferred insurance carriers are looking for responsible drivers to insure. Insurance carriers reward drivers with a discount for responsibly shopping for insurance ahead of time.

New Home Discount

If you purchase a newly constructed home, you could save up to 10%. Recent homebuyers may also qualify, so be sure to talk to your agent about the discounts available to you.

Electric Funds Transfer (EFT) Discount

It is very easy to get this discount. If you make your monthly payments via an automatic electronic fund transfer (EFT) from a bank account, then your rate will be decreased by 0.25%.

Paid in Full Discount

Instead of making scheduled installment payments, you can conveniently pay your entire premium at the beginning of the policy term and experience instant savings.

Military Discount

If you are on active duty, retired from the Military, or a member of the National Guard or Reserves, you may be eligible for a discount of up to 15 percent on your total insurance premium.